How To Buy A Home podcast

29:13

A rapid-fire guide to the next steps in your homebuying journey, from boosting your credit score to nailing negotiations and knowing exactly what to do after your offer is accepted. In Part 2 of the 2025 Ultimate Homebuying Checklist, David Sidoni delivers another round of actionable, must-know tips to help first-time homebuyers prepare for their purchase — even in today’s stalled summer market. Building on Part 1 (Episode 373), this episode dives into five critical areas: credit score preparation, neighborhood sleuthing, loan and financing strategy, negotiation tactics, and your immediate to-dos after an offer is accepted. Learn how to check and improve your credit score, avoid common loan pitfalls, research neighborhoods beyond online listings, and negotiate for more than just price. David also outlines the crucial first moves to make post-offer so you can close with confidence. Whether your purchase is months or years away, this checklist will keep you focused and ready to act when the time is right. Quote: “Before you even dream shop on Zillow, start with your credit score.” Highlights: Why now is the perfect time to prepare for your future purchase Credit score tips that can save you thousands The one site you should use to check your credit report weekly Neighborhood research beyond online listings Loan shopping myths and truths How to negotiate for more than just price Post-offer steps to protect your deal Referenced Episodes: Credit 3 – What Do You Need To Know About Credit 8 – Quick Credit Tips For First Time Home Buyers 61 – More FICO Fun - Some Good News, For Once, About Credit Scores - And More Credit Hacks! 90 – Credit Repair For 300-669 - “Bad” Or “Fair” Credit Scores 182 – Interview: From ZERO Credit Score to Homeowner 199 – Boomer’s Homes Were CHEAPER – Plus Credit Pull Myths! 304 – Improve Your Credit: Homebuying 101 - Step 3 349 – Credit Score Solutions for First-Time Buyers (INTERVIEW) Internet Tips for Home Shopping 227 – Using The Internet To Research Your First Home New Homes vs. Resale 279 – New Build vs Resale Houses for First Time Homebuyers Bidding Wars (3-episode series) 175 – How to win in BIDDING WARS in the 2023 market 176 – How to win in BIDDING WARS in 2023 – Part 2 177 – How to win in BIDDING WARS in 2023 – Part 3 Market Updates 361 – 2025 Midyear & Market Update 364 – REDO 237 – (High Rates, No Problem - Your First Time Home Buying Guide for 2024) 10 Steps (301–310) 301 – Introduction to Homebuying 101: Getting Started in 30 min 302 – HOMEBUYING 101: Deciding Your Goals | STEP 1 303 – HOMEBUYING 101: Choosing A Realtor & Lender | STEP 2 304 – Improve Your Credit: Homebuying 101 - Step 3 305 – Debt Management: Homebuying 101 - Step 4 306 – Saving To Buy Your Home: Homebuying 101 - Step 5 307 – Choosing House Must-Haves: Homebuying 101 - Step 6 308 – DIY Education & Online Research: Homebuying 101 - Step 7 & 8 309 – Stop Fearing Your Future Mortgage | STEP 9 | HOMEBUYING 101 310 – HOMEBUYING 101: Understanding Today's Market | STEP 10 Loans & Mortgage Planning 346 – How to Build the Perfect Mortgage Plan (Before You Apply) 345 – Why You’re Asking the WRONG Question About Interest Rates 237 – High Rates, No Problem: Your First Time Home Buying Guide for 2024 339 – Don’t Get Pre-Qualified—Get a Plan (INTERVIEW) 340 – Down Payment Assistance, Discovery Calls & Lending Myths (INTERVIEW) 242 – 10 (MORE) Listener Questions ANSWERED: How to Buy Your First Home Pt 2 250 – Down Payment Assistance is BACK (Save Major $$$ Buying a House) Real Questions for 2025 (7-part series: 352–359) 352 – Real Answers to the Most Asked Homebuying Questions (Part 1) 353 – Real Answers Pt 2: Mortgage Myths, Interest Rates & Buying Timing 354 – Real Answers Pt 3: PMI Panic, Bad Advice & David Unleashed 355 – Real Answers Pt 4: Should I Rent or Buy in 2025? 356 – Real Answers Pt. 5: What You Must Know Before Making Your First Offer 357 – Real Answers Pt 6: How to Handle Homeownership Costs Without F…

How to Buy a Home

1
Buying Your First Home After a Lifetime of Renting (INTERVIEW) 40:18

il y a environ 3 jours40:18

40:18

Renee and Tom spent 16 years renting before finally becoming homeowners. In this episode, they share how persistence, education, and the right team helped them turn skepticism into success. After 16 years in the same rental, Renee and Tom were told they had to move. For Tom, buying a home seemed impossible at 60, especially with some credit bruises. But Renee had a different vision. Known as the "Research Goddess," she dove into the How to Buy a Home podcast, learned the language of homebuying, and built a plan. They improved their credit, saved strategically, and connected with HBH-vetted Realtors James and Andy. To their surprise, the process was smoother and easier than expected. This episode is a testament to the power of preparation, the right guidance, and believing that homeownership is possible at any stage of life. Quote: "The biggest surprise was how easy and painless it was once we had the right team in place." Highlights: How a forced move pushed Renee and Tom to finally pursue buying. Overcoming credit challenges later in life. Why early education and research made all the difference. The importance of having the right real estate team. How the process turned out to be smoother than they ever imagined. Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

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Renting to Role Model: A Single Mom's Homebuying Journey (INTERVIEW) - 374 46:45

il y a environ 5 jours46:45

46:45

Discover how a single mom in Long Island went from a decade of renting to owning her first home. This inspiring replay episode of HBH shares the story of perseverance, preparation, and the power of a trusted real estate team. In this replay of episode 265, David Sidoni sits down with Vayola, a single mother who never thought homeownership was possible in her expensive Long Island market. Determined to set an example for her teenage daughter, she reached out to the How to Buy a Home podcast, learned the steps, and put them into action. Vayola shares her top tips for first-time buyers: trust your "unicorn" real estate team, keep your funds liquid and ready to move, and never settle until you find the right home. Her journey proves that with the right preparation and guidance, even the most daunting housing markets can be navigated successfully. Quote: "Trust your unicorn team. They know what they’re doing. You’re in good hands." - Vayola Highlights: Why trusting a vetted real estate team is critical for first-time buyers How to keep your funds accessible for a fast-moving market The importance of patience and not settling for the wrong home Turning homeownership into a lasting legacy for your family Action steps to prepare before your offer is accepted Referenced Episodes 104 – Interview With A Single, Female First-Time Home Buyer Who Closed In 2022, Trying Since 2019 109 - Brian and Diana - 4 months, From Wondering About Buying their 1st home to Getting the Keys 116 - Interview With First-Time Home Buyers Whose Rent Went Up 90% In One Year BAILED On Renting! 128 - First Time Buyer Couple Interview - Making The Move From Apartment To Condo 129 – Interview With A First Time Home Buyer Who Bought WITHOUT Two Years Of Employment 167 - Interview: Buying a $300K Home With Only $18k? Yes! 169 - Woman Power: This Single Woman Bought Her First Home 189 - INTERVIEW - VA Loans: Bad for Buyers or a Christmas Miracle? 217 - Interview With Millie - How To Buy Your First Home Before Turning 30 Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

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Checklists: Home Shopping, Financing, Inspections, & More - 373 33:26

il y a environ 7 jours33:26

33:26

A rapid-fire guide for first-time homebuyers covering the four pillars of buying a home: shopping, financing, negotiating, and inspections. These battle-tested tips will help you shop smarter, secure better financing, negotiate stronger offers, and protect yourself during inspections. In this episode, David Sidoni delivers a fast-paced, no-fluff cheat sheet for first-time homebuyers who want to cut through confusion and act with confidence. Whether you’re just starting your home search or preparing to write an offer, this guide covers: Shopping : How to research neighborhoods like a pro, bundle showings, and keep your top-three homes clear in your mind. Financing : Why pre-approval matters, how to choose a lender, and why the lowest online rate isn’t always your best option. Negotiating : Winning strategies that go beyond price to include timing, contingencies, and seller needs. Inspections : The importance of showing up, asking questions, and knowing the difference between a deal-breaker and a fixable issue. With over 20 years of experience and countless real-world success stories, David packs this episode with actionable tips you can use right now. For deeper dives into each topic, the show notes include links to past episodes that explore each stage in detail. Quote: "The highest offer doesn’t always win. The right terms, timing, and certainty can beat price every time." Highlights: Research neighborhoods with crime maps, public records, and on-the-ground visits at different times of day. Keep a top-three list of favorite homes to avoid decision fatigue. Get pre-approved before shopping to know your real budget. Work with a lender who explains your options clearly. Negotiate with terms and flexibility, not just price. Attend your inspection and use findings strategically. Referenced Episodes: 227 – Using The Internet To Research Your First Home 279 - New Build vs Resale Houses for First Time Homebuyers 175 - How to win in BIDDING WARS in the 2023 market (Part 1 of 3) 361 - 2025 Midyear & Market Update 364 - REDO 237 – (High Rates, No Problem - Your First Time Home Buying Guide for 2024) 301 - Introduction to Homebuying 101: Getting Started in 30 min 346 - How to Build the Perfect Mortgage Plan (Before You Apply) 345 – Why You’re Asking the WRONG Question About Interest Rates 242 - 10 (MORE) Listener Questions ANSWERED: How to Buy Your First Home Pt 2 250 - Down Payment Assistance is BACK (Save Major $$$ Buying a House) 332 – Home Inspections: What’s Normal vs Red Flag? (110 Replay) 352 - Real Answers to the Most Asked Homebuying Questions (Part 1) (Part 1 of 7) Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

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Brittany & Fred's 3% Down Success Story - INTERVIEW - 372 39:17

il y a environ 10 jours39:17

39:17

First-time buyers Brittany and Fred from Dallas, TX, prove you don’t need 20% down to buy a home. With expert guidance from their unicorn realtor, they navigated a seller lease-back, chose a 3% down conventional loan, and moved into their dream home — all while raising their 7-month-old daughter. In this inspiring episode, David Sidoni chats with Brittany and Fred, a young family who just purchased their first home in Dallas. Their story busts one of the biggest myths in real estate: you don’t need 20% down to buy. Starting out believing they had to save far more, they discovered better options through their unicorn realtor and trusted lender. With excellent credit scores, they secured a 3% down conventional loan, avoiding costly FHA fees. They also used a seller lease-back to sweeten their offer without raising the price, showing how flexibility on timing can be a winning strategy. This episode is a must-listen for any first-time buyer who thinks homeownership is out of reach. Quote: "You don’t need 20% for a down payment. That was by far the biggest thing we learned." - Fred Highlights: How Brittany and Fred went from renters to homeowners with a 7-month-old. The myth-busting truth about down payments for first-time buyers. Why a 3% conventional loan was better than FHA for their situation. How a seller lease-back can win you the house without raising your offer. The value of working with a unicorn realtor for strategic negotiation. Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

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Top Budgeting Apps for First Time Home Buyers in 2025 - 371 29:50

il y a environ 12 jours29:50

29:50

Learn how to budget smarter, not harder, with proven strategies and the best budgeting apps for first-time buyers in 2025. From his in-depth research, David shares the top five budgeting apps tailored for home purchase planning in 2025, plus two bonus tools for spreadsheet lovers and detail-oriented planners. Along the way, he warns against predatory financial service companies and common app pitfalls that could cost you more in the long run. Quote: "A budget is a tool to afford more of what you love." Highlights: Why budgeting is about empowerment, not deprivation. How zero-based budgeting gives every dollar a job. The 50/30/20 rule as a starting point for intentional saving. Top 5 budgeting apps for first-time buyers in 2025. Why free budgeting apps often fall short. Predatory pitfalls to avoid when choosing financial tools. LINKS TO THE BEST BUDGETING APPS of 2025 You Need a Budget - YNAB Monarch Money Quicken Simplify Nerdwallet Copilot Lunch Money Referenced Episodes: Episode 306 - Saving To Buy Your Home: Homebuying 101 Episode 305 - Debt Management: Homebuying 101 Episode 180 - Online Mortgage Calculators Are GARBAGE - Here’s Why Episode 69 - Dave Ramsey Is Dead Wrong When It Comes To Buying Your First Home In 2022 And Beyond Episode 106 - Dave Ramsey is Sometimes Right, but OH SO WRONG for First Time Home Buyers Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

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The Truth About Tax Breaks for First-Time Buyers - INTERVIEW - 370 1:02:07

il y a environ 14 jours1:02:07

1:02:07

What’s the SEMOP—and Why Self-Employed Buyers Need It (Click the link to learn about a free consultation) If you’re self-employed and planning to buy a home, understanding how lenders view your income can be a major hurdle. That’s where the Self-Employed Mortgage Optimization Plan (SEMOP) comes in. Created by CPA Dan Mullen, SEMOP is designed to help entrepreneurs, freelancers, and independent contractors present their finances in a way that works with—not against—mortgage qualification standards. From strategic timing of deductions to optimizing income documentation, SEMOP gives self-employed buyers a clear roadmap to prepare for underwriting and boost their chances of loan approval. It’s not a gimmick—it’s guidance built for how the system actually works.Many first-time buyers assume a mortgage guarantees big tax breaks—but unless you itemize your deductions, those savings may never come. Are you self-employed? Want a free tax consultation from Dan the Tax Man? Visit this link to learn more about Dan's program and how to get a complimentary consultation. This episode brings on CPA Dan Mullen to break down the truth about tax benefits for homeowners. You’ll learn who actually gets tax breaks, when they apply, how itemizing plays a role, and how to calculate them before you buy. From itemized deductions to the SALT cap, Dan and David explain what first-time buyers need to know—and what myths to ignore. They also share real-world examples of savings (or lack thereof) so you can plan your budget with real numbers. Quote: "You have to remember, not everybody gets the tax benefits of owning. That’s just a myth." — Dan Mullen Highlights: Who really qualifies for the mortgage interest deduction? What is the SALT deduction cap, and how does it affect buyers? Why some buyers may see no tax benefit after purchasing The difference between escrow payments and tax deductions How to estimate your actual savings before making an offer Should You Rent or Buy? This Book Has the Math. Wondering whether homeownership really makes financial sense? Real Decisions: The Financial Impact of Renting and Owning by Brady Mullen and Dan Mullen, CPA, breaks down the real numbers behind one of life’s biggest choices. They debunk common myths and reveal how taxes, inflation, and appreciation shape your long-term wealth—whether you’re buying your first home or advising someone who is. Perfect for first-time buyers, financial professionals, and real estate agents alike. Grab the book on Amazon → Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

1
INTERVIEW: From Fear to First Home - How Regina Bought Solo in Her 40s - 369 50:22

il y a environ 17 jours50:22

50:22

Think you missed your chance to buy a home because you're over 40 and buying solo? Think again. In this episode, David Sidoni talks with Regina, a first-time buyer in her 40s who overcame relocation, job uncertainty, and years of doubt to become a homeowner in just two months. Her story is a masterclass in late-stage first-time homebuying—especially for single women ready to take the leap alone. David interviews Regina, a solo first-time buyer who closed on her home at age 47 after putting off the decision for nearly two decades. Regina shares how instability in her early career and several relocations—reflecting a broader trend of older millennials delaying homeownership due to economic and career uncertainty— kept her from committing to a home purchase. But after a pivotal conversation with a friend, she realized it was time to protect her finances and stop waiting. She stumbled upon the How to Buy a Home podcast through Reddit, binge-listened to the show, and realized she had already done much of the prep work—her credit was solid, her debt was paid off, and her income was stable. All she needed was a trusted team. That’s when she connected with a unicorn realtor and closed within two months of reaching out. This episode highlights a growing trend of single women becoming homeowners later in life—now outpacing single men in first-time buying, according to recent How to Buy a Home data; and breaks down the emotional and practical steps that can make it possible—no matter your age or relationship status. Quote: "This was my last lease. And that's what I decided." —Regina Highlights: Why Regina waited nearly 20 years to buy her first home The emotional trigger that turned her mindset around How she found the podcast and used it to prep financially Her experience working with a unicorn realtor A powerful story of solo homeownership for older first-time buyers Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

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The Truth About Renting: What You’re Really Paying For - INTERVIEW 55:57

il y a environ 19 jours55:57

55:57

Renting isn't a waste, but long-term ownership could save you millions—here’s how to tell when it’s time to make the shift. In this episode, David Sidoni continues with Part 2 of his interview with Dan and Brady Mullen, authors of Real Decisions , to break down the real financial impact of renting versus owning. You’ll learn how to zoom out beyond monthly costs, understand the long-term wealth gap, and see why the first year of ownership might feel hard—but pays off big over time. The Mullens bring data, compassion, and clear examples to help first-time buyers shift their mindset and see the math behind the move. Quote: “If you're telling me it's too expensive to own because it’ll cost $1.5 million over 35 years, you’ve got to answer what rent costs on the other side of that equation.” — Brady Mullen Highlights: How to tell when renting is still a smart move Why the first year of homeownership feels like a loss—and what happens after What the Mullen brothers’ graphs reveal about real cost differences over time Why interest rate fears are overblown in 2025 How to shift from emotional fear to fact-based planning Referenced Episodes / Resources: Book: Real Decisions: The Financial Impact of Renting and Owning by Dan and Brady Mullen Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

1
Why Financial Advisors Can’t Help You Buy a Home - INTERVIEW - 367 41:51

il y a environ 21 jours41:51

41:51

Discover why most financial advisors aren't trained—or even allowed—to guide you through the biggest wealth-building decision of your life: buying a home. Author and former financial advisor Brady Mullen joins CPA Dan Mullen to explain how real estate plays a critical role in long-term wealth, and why it’s often ignored by the people we trust for financial advice. In this episode, David sits down with brothers Brady and Dan Mullen, authors of Real Decisions: The Financial Impact of Renting and Owning . Brady, a former financial advisor, and Dan, a CPA specializing in real estate tax, share what they learned about the enormous—but often overlooked—financial power of homeownership. They explain why real estate is usually left out of “holistic” financial planning, how renting compares to owning over time, and why most homebuyers are left to figure out these massive decisions alone. The Mullen brothers share insights on tax advantages, inflation protection, and how your first mortgage payment will be the worst one you ever make (yes, that's good news). This is a must-listen episode for anyone who's been told that renting is the smarter choice. Quote "You can buy 30 years of shelter at today’s prices—and the bank will give you a loan to do it." – Brady Mullen Highlights Why financial advisors can’t give you real estate advice The financial industry’s blind spot when it comes to shelter The difference between being sold real estate and being educated about it How landlords pass hidden costs onto renters Why renting might seem cheaper—but costs more over time Understanding inflation and your mortgage as a financial tool The truth about maintenance, taxes, and “rent being easier” How owning gives you control over your housing costs Why your first mortgage payment is your most expensive—and what happens after Real estate’s role in building long-term net worth Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

1
“Not Ready” to Homeowners: Sergio & Ali’s Journey Past Imposter Syndrome - INTERVIEW - 366 1:12:45

il y a environ 24 jours1:12:45

1:12:45

Think you’re not ready to buy a home? Think again. In this episode, David reconnects with Sergio and Ali — real buyers who once believed they weren’t ready. Their story reveals how fear and misinformation almost delayed their homeownership journey, and how the right support helped them succeed. Imposter syndrome is one of the biggest hidden obstacles facing first-time buyers. Sergio and Ali didn’t think they were ready to buy a home — despite solid savings, a strong financial position, and a clear desire to stop renting. When they reached out to David, their hesitation came not from reality, but from fear. This episode revisits their story from episode 276 (where they were anonymously known as “Bob and Bobcat”) and follows their journey all the way to closing day. They share what it took to shift their mindset, how a trusted real estate pro guided them through a cross-country move, and why emotional readiness is just as important as financial preparation. Their insights are honest, encouraging, and tactical — perfect for anyone feeling overwhelmed, underqualified, or unsure if now is the right time to start. You’ll hear exactly how they planned their budget, built confidence, and learned that they were more ready than they ever believed. Quote: “You need a unicorn realtor. You need a unicorn realtor that understands everything, but is also like a marriage counselor.” — Sergio Highlights: Why did Sergio and Ali believe they weren’t ready to buy? They were navigating a job change and felt uncertain despite already having significant savings. What did David see that they didn’t? He recognized they were financially in a strong position and just needed clarity and guidance. How did planning make the difference? Building a financial plan and timeline helped them feel confident and organized. What was so special about their realtor? Their unicorn agent supported them remotely, gave expert advice, and even helped with relationship stress during the process. Why is emotional support critical in homebuying? Feeling supported helped them move past fear and take confident steps toward buying. What challenges came with buying during relocation? They bought remotely while moving to a new city — and relied heavily on their agent for eyes on the ground. What advice do they have for first-time buyers? You’re likely more ready than you think, and the right support can make all the difference. Referenced Episodes: Episode 274 — Wait…My Producer Can’t Buy a Home? Here’s Why… Episode 275 — Market Update & Unicorn Disclosures Episode 276 — Breaking Down Home Buyer Questions - Bob & Bobbette Episode 315 — How a 20-Year-Old Outsmarted the Market—And How You Can Too (UNICORN INTERVIEW) Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

1
Homebuying Feels Impossible in 2025: Here’s How to Find Your First Step - 365 32:04

il y a environ 26 jours32:04

32:04

Let’s be real—trying to buy your first home in 2025 feels overwhelming. This episode gives you the truth about where to begin, why generic advice won’t work, and how to find your actual first step based on your situation. If you’re feeling stuck, skeptical, or straight-up discouraged about buying a home in 2025—you’re not wrong. Rates are high, affordability is brutal, and the online advice is either confusing or useless. Most first-time buyers think they need a list of 10 steps to follow. But here’s the truth: there is no single path. In this episode, David breaks down why generic homebuying advice fails —and how to create a plan that works based on where you’re starting today. Through the metaphor of Chutes and Ladders, you’ll learn how to recognize your personal position on the “game board,” what traps to avoid, and how to start moving forward with real clarity. This is more than mindset—it’s strategy. You’ll leave this episode with a way to cut through the noise, avoid common buyer pitfalls, and understand what you need to do next—whether you’re at square one or already halfway there. “There is no one path. Everyone is at a different starting place. So why would you accept a one-size-fits-all list?” - David HIGHLIGHTS Why buying a home in 2025 feels harder than ever—and how real buyers are still making it happen The truth about “10-step plans” and why generic homebuying checklists often set you back How to figure out your personal starting point based on your credit, savings, and timeline The Chutes and Ladders method: a strategic tool to map your custom homebuying journey Common mistakes first-time buyers make by starting too late—or in the wrong place How to build a real plan that fits your situation, not someone else’s sales funnel The critical difference between generic advice and a tailored homebuying strategy Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

1
Buying a Home in High Mortgage Interest Rate Markets - 2025 Update - 364 49:02

il y a environ 28 jours49:02

49:02

High interest rates aren’t your biggest obstacle — fear and bad advice are. In this episode, David Sidoni shows you how to win anyway. Synopsis If you’re waiting on mortgage rates to drop before you buy a home, you may be setting yourself up to lose thousands. This episode breaks down the real math of affordability — and why obsessing over interest rates could cost you far more than you think. David walks through the truth behind today’s rates, the history that puts them in context, and the emotional traps that keep first-time buyers on the sidelines. You’ll learn how to stop hoping for a return to 3% rates (spoiler: that era was a global emergency, not a market trend) and instead start planning within the reality of 2025. This is a continuation of the affordability conversation from Episodes 237 and 262, with a sharper focus on how to beat high-rate fears with facts, strategy, and a new mindset. Whether you’re renting, budgeting, or just plain overwhelmed, this episode will help you shift from stuck to strategic. Want to see the full affordability breakdown and rent vs. buy math? Read the blog: https://howtobuyahome.com/2025-homebuying-high-mortgage-rates-guide/ Learn how interest rates have changed over the decades — and what that means for your plan. Quote “If you’re waiting for 3% rates, you’re waiting for another global crisis. That’s not a plan.” Highlights Why 3% mortgage rates aren’t coming back — and why that’s okay The historical average interest rate since 1970 (spoiler: it’s 7.7%) How fear and recency bias distort smart homebuying decisions What today’s rates really mean for your monthly payment How to build a rent replacement plan instead of chasing the market Why emotion-based waiting can cost you thousands in lost equity How to use strategy — not timing — to create long-term wins REFERENCED EPISODES Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

1
Buying a Home Right Out of College without 2 Years on the Job - INTERVIEW - 363 55:38

il y a 4 weeks55:38

55:38

Think you’re too young or unqualified to buy a home? Meet Ella and Mitchell. At just 19, Ella swapped a cramped $1,500/month apartment for a 3-bedroom home on 1.3 acres — and they did it in under a week. This episode proves it’s possible, even when you think it’s not. Ella and her boyfriend Mitchell were renting young, paying more than they liked, and doubting homeownership was even an option. But after a personal loss made them reevaluate their priorities, they decided to stop waiting. With the help of a unicorn agent in Appleton, Wisconsin, they found and bought a home in just 5.5 days — working , no masse typical 2 year job requirment, savings, and no buy-down gimmicks. In this powerful interview, they share how they overcame fear, bad real estate advice, and the myth that homeownership is for “later in life.” Their story will resonate with anyone who feels too young, too underprepared, or too overwhelmed to start the process. Ella and Mitchell show that with the right mindset and guidance, buying a home can be faster, simpler, and more life-changing than expected. Quote “It’s not impossible. You can do it. There are resources out there — no one expects you to do this alone.” — Mitchell Highlights How did Ella and Mitchell buy their home at age 19 without two years of job history? What made them choose to trade a $1,500/month apartment for a 3-bed ranch home? How did they manage to go from search to close in just 5.5 days? What did locking in a 5.25% interest rate with no buy-downs mean for their monthly payment? What happened with the shady Zillow agent, and how did a unicorn realtor change their path? What personal event sparked their urgency to stop renting and start building equity? How did Mitchell describe the sense of control and stability after buying? Why did he say their mortgage feels like a better investment than their rent ever did? What did he want other young people to understand about the real possibilities of ownership? Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

1
How a Single Millennial Bought a $400K Home with Just $12K (INTERVIEW) - 362 34:26

il y a 5 weeks34:26

34:26

Can you really buy a $400,000 home on your own with just $12,000? In this episode, David interviews Carrie, a single elder millennial who didn’t think homeownership was possible… until it was. Hear her story of belief, flexibility, and what it really takes to make your homebuying goals happen — even when the system feels stacked against you. This episode is an inspiring, eye-opening interview with Carrie, a self-described elder millennial who overcame the belief that homeownership was out of reach. As a single woman who once thought buying a home was a fantasy, Carrie shares how she closed on a $400K property with just $12,000 out of pocket — and how the right planning and people made it happen. She breaks down how reframing “compromise” as flexibility helped her shift from city-focused dreams to a home that truly supports her long-term needs — including space for her mom. She also opens up about the real-life responsibilities of owning a property (like tree maintenance and surprise sewer issues), and the importance of learning and adjusting along the way. If you’ve told yourself “it’s too late” or “I can’t do this alone,” Carrie’s story will prove you wrong — and show you what’s possible when you stick to your values and find the right support. “It’s not compromise — it’s flexibility. What can I change later? What can I create?” Highlights: How did Carrie manage to buy a $400,000 home with just $12,000 out of pocket? What shifted her mindset from “I’ll never own” to “I can do this”? Why did she leave Denver and what made her say yes to Colorado Springs? What does it really mean to buy “the property” — not just the house? What surprised her about homeownership in the first few weeks? How did working with a Unicorn team make the difference? Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

1
2025 Mid-Year Housing Market Update - 361 56:58

il y a 5 weeks56:58

56:58

Mortgage rates are dropping — so why are buyers still stuck on the sidelines? This episode breaks down the latest market update with July 2025 data, unpacking how inflation, job reports, and interest rate speculation are shaping first-time buyer behavior. In this episode, David delivers a critical market update recorded just after the July 4th weekend in 2025. Despite a notable drop in mortgage rates — the fifth consecutive week of declines — most buyers still aren’t making moves. Why? The answers lie in economic signals that go beyond interest rates. You’ll learn how job market strength and inflation fears are keeping the Federal Reserve from cutting rates, despite public pressure. Plus, David breaks down how tariffs and the PCE index (the Fed’s favorite inflation tracker) are working against rate relief. With clarity and candor, he explains why rate drops aren’t enough to reboot buyer confidence — and why timing your purchase based on Fed headlines may be a risky move. First-time homebuyers will walk away with a clearer picture of what’s happening behind the scenes — and why understanding market conditions is more important than listening to outdated advice from friends or family. Quote “Mortgage rates have fallen for the fifth straight week. Buyers aren’t budging though — they’re still waiting.” – David Sidoni Highlights Freddie Mac reports the biggest one-week drop in rates since March 2025 Fed rate cuts unlikely after strong June jobs report and inflation uncertainty PCE inflation index still above target, with tariffs poised to raise prices further Why first-time buyers should stop trying to “time the market” CME FedWatch projections: July cut odds drop to 5%, September cut down to 67% Clear explanation of how job market strength delays rate relief Referenced Episodes 279 - New Build vs Resale Houses for First Time Homebuyers Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

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The Ultimate Homebuyer Playlist: Summer 2025 - 360 21:44

il y a 6 weeks21:44

21:44

Looking for the perfect binge-listen while road tripping this summer? In this special Independence Day episode, David Sidoni shares the ultimate guide to navigating 360+ episodes of How to Buy a Home . Whether you’re brand new or halfway through your buying prep, this episode will help you pinpoint exactly which episodes to queue up next. It’s a holiday weekend and David Sidoni is giving you the cheat code. This road trip-style episode pulls from six years of the podcast catalog to help you binge smarter—not harder. If you’ve ever felt lost in the episode feed, overwhelmed by too much info, or unsure where to start, this is your shortcut. You’ll hear how to tackle the full Homebuying 101 series (episodes 301–310), when to explore recent vs older episodes, and how to match specific episodes to the questions keeping you up at night. It’s your on-the-go roadmap for becoming an educated, confident homebuyer—minus the scrolling. Quote “You can’t control the market, but you can control your knowledge.” – David Sidoni Highlights How to start your listening journey with Episode 301 and the Homebuying 101 series What to prioritize if you’re tight on time or deep in stress Which episodes to pick for budgeting, credit, or choosing your team Why new episodes help you stay current—and which older ones still pack value David’s personal tips on educating yourself on how to buy a home! Referenced Episodes FOR A COMPLETE LIST OF ALL THE REFERENCED EPISODES, PLEASE VISIT OUR OFFICIAL 2025 EPISODE GUIDE Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

1
Real Answers Pt 7: Condos, HOAs, Realtors & Timing - 359 38:53

il y a 6 weeks38:53

38:53

The final four questions from the 20 most-asked by first-time buyers — including real-life success stories and crucial myths to stop believing now. In this episode, David Sidoni closes out the 7-part series on the 20 most common questions from first-time homebuyers. Questions 17 through 20 tackle some of the biggest decision points in the journey: What type of property is best for you? Are HOAs really that bad? Who actually pays your agent? And should you wait to buy? With clarity, empathy, and strategic insight, David unpacks each question using real buyer stories — like Melissa’s bold move into a condo with an HOA in pricey Southern California — and explains why the biggest cost you face might be waiting too long . He also breaks down how commissions work after the 2024 legal changes, and why building your homebuying team early is not just smart — it could save you thousands. If you're serious about buying but still wrestling with doubts, this episode is your crash course in cutting through the noise and making informed, confident choices. "You wouldn’t do surgery without a doctor. Why try to buy a home without a pro?" - David Sidoni Highlights: Should you buy a condo, townhome, or single-family home? Depends on your long-term plan — not your dream aesthetic. Real buyer story: Melissa chooses a condo with a $450 HOA fee and still saves money versus renting. HOAs aren’t evil: 80% of new homes include them, and rejecting them limits your housing options. You don’t pay your buyer’s agent. Even post-lawsuit, most fees are still seller-paid. Why hiring your real estate team early (not just a lender!) makes all the difference. Waiting for the "right time" can cost you more — it’s about time in the market, not timing the market. Referenced Episodes: 154 , 319 – Condo vs. SFR 324 – Melissa 322 , 75 , 110 , 220 – Inspection 175 , 176 , 177 – Bidding wars 229 , 275 – Unicorn and disclosures Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us! Visit the Podcast library to check out the rest of this series.…

How to Buy a Home

1
INTERVIEW: How to Buy a Duplex at 22 with $12K - 358 33:04

il y a 6 weeks33:04

33:04

Think you're too young or not ready to buy a home? Meet Allison and Mitchel — 22 and 24 years old — who went from renters to owning a duplex in just six weeks. With only $12,000 in closing costs, their story proves it’s not just possible — it’s smart. In this inspiring episode, David interviews Allison and Mitchel, a young Ohio couple who defied the odds and bought a duplex at just 22 and 24 years old. With the help of a unicorn realtor and guidance from the podcast, they realized they were ready to buy — even when they didn’t think so. You’ll hear how they navigated the process quickly and confidently, closed on their home with just $12K, and now live in one unit while renting the other. Their total monthly costs are close to — or even less than — what they paid in rent. They share practical advice for new buyers, insights on emotional readiness, and what surprised them most about the homebuying journey. Quote: "You're probably ready to buy a house even if you don't think you are." – Allison, age 22 Highlights: How did a 22- and 24-year-old close on a duplex with just $12K in six weeks? What is a unicorn realtor, and how did one transform their buying journey? Why can trying to learn everything online actually make homebuying harder? How did they get a mortgage close to the rent they were paying? What is house hacking, and how did it help them build wealth fast? How can emotional readiness shift once you hear real success stories? Referenced Episodes: Step 1: Deciding Your Goals Step 2: Choosing a Realtor and Lender Step 5: Saving to Buy Your Home Step 9: Stop Fearing Your Future Mortgage Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

1
Real Answers Pt 6: How to Handle Homeownership Costs Without Fear - 357 43:33

il y a 7 weeks43:33

43:33

Think owning a home will bring surprise expenses that wreck your budget? This episode breaks down exactly what you’ll pay—and why it’s not as scary as you’ve heard. Synopsis: In this myth-busting continuation of the 20 Most Frequently Asked Questions, David Sidoni tackles one of the biggest fears holding renters back: hidden costs. From rising property taxes and insurance to repairs and HOAs, David exposes the truth behind these so-called “surprises” and shows how proper planning makes them predictable. If you’ve been scared off by online horror stories or clickbait headlines, this episode gives you the clarity and confidence to stop renting and start planning. You’ll walk away with real numbers, smart strategies, and a clear-eyed understanding of how homeownership costs actually work. Promise Delivered: You’ll learn how to predict and plan for every cost of homeownership—so nothing feels “hidden” or unexpected. This episode replaces fear with facts and shows that a well-built budget can make homeownership not only possible, but powerful. Quote: “The taxes and insurance are not surprises—they’re scheduled and predictable. And if they go up? They go up in rent too. You’re just not paying attention.” Highlights: Why most “hidden” costs are just poorly explained (and how to plan for them) How PITI (Principal, Interest, Taxes, Insurance) gives you a complete budget view Why rising property taxes and insurance aren’t deal breakers The renter’s blind spot: you’re already paying these increases—just for someone else’s benefit How to estimate and plan for HOAs, repairs, and future costs with confidence When fear is valid—and when it’s just misinformation The biggest budgeting mindset shift every buyer needs Visit the Podcast library to check out the rest of this series.…

How to Buy a Home

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Real Answers Pt. 5: What You Must Know Before Making Your First Offer - 356 28:47

il y a 7 weeks28:47

28:47

Most first-time buyers lose out because they’re not ready to act—this episode shows you exactly how to prepare before the home even hits your inbox. Too many buyers start shopping before they’re ready to offer—and it costs them. In Part 5 of the Real Answers series, you’ll learn what it really means to be “offer-ready” and how to prepare for your first purchase with confidence and clarity. From contingencies and timelines to communication strategies with your agent, this episode is a playbook for writing a smart, complete offer the moment the right home appears. If you want to avoid rookie mistakes and actually win the home you fall in love with, this is your must-hear guide. Quote “If you’re not ready to make an offer before you start looking, you’re just a shopper, not a buyer.” Highlights: Why most first-timers delay too long—and how to avoid their biggest regret The critical difference between “liking a home” and being ready to offer What makes a complete offer package (and what most buyers miss) How fast timelines move once you find the one Contingency truths: which ones protect you vs. kill your deal Why prepping before you tour is your biggest advantage Visit the Podcast library to check out the rest of this series.…

How to Buy a Home

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Real Answers Pt 4: Should I Rent or Buy in 2025? - 355 52:26

il y a 7 weeks52:26

52:26

Rent feels safer—but in 2025, skipping the full math could cost you more than you think. In this episode, David Sidoni breaks down the timeless rent vs. buy debate with a 2025 twist, delivering a deep-dive into the full financial picture first-time buyers need to make smart choices. While renting may seem cheaper at first glance, David walks listeners through the overlooked math that makes homeownership a long-term wealth builder—even when mortgage payments are higher than rent. Using real numbers and multiple market scenarios, he explains why simple online calculators don’t tell the full story. Whether you’re unsure about affording a home or think you’ve missed your chance, this episode gives you clarity with facts, not fear. Visit the Podcast library to check out the rest of this series.…

How to Buy a Home

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Real Answers Pt 3: PMI Panic, Bad Advice & David Unleashed - 354 34:06

il y a 8 weeks34:06

34:06

Think PMI is a scam? You’ve been lied to—and in this episode, David Sidoni sets the record straight with no filter. Part three of the Real Answers series takes a detour from step-by-step guidance and instead serves up a fiery PSA. David tackles the myth that first-time buyers must wait to save 20% down to avoid PMI—calling out the financial “experts” giving bad advice and explaining why this outdated thinking is hurting renters. There’s no soft delivery here: it’s a full-on rant from someone who’s tired of seeing people misled. Tune in if you’re ready for a raw, opinionated breakdown of one of the most persistent homebuying myths. Visit the Podcast library to check out the rest of this series.…

How to Buy a Home

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Real Answers Pt 2: Mortgage Myths, Interest Rates & Buying Timing - 353 37:07

il y a 9 weeks37:07

37:07

Most buyers obsess over interest rates—but this episode reveals why waiting for the “perfect rate” might cost you far more than you think. In part two of the “Top 20 Most Frequently Asked Questions” series, this episode dives into one of the biggest fears first-time buyers face: today’s interest rates. David Sidoni tackles the myth that 3–4% mortgage rates will return and explains why waiting could backfire. You’ll hear why “timing the market” is often less effective than just getting in as soon as you’re ready. David uses real historical data, stock market comparisons, and a strategic mindset shift to guide buyers in evaluating if now is the right time. Plus, hear how creative mortgage strategies can make a 7% interest rate not only manageable—but still a smart financial move. Visit the Podcast library to check out the rest of this series.…

How to Buy a Home

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Real Answers to the Most Asked Homebuying Questions (Part 1) - 352 28:59

il y a 9 weeks28:59

28:59

Confused by conflicting advice on down payments, loans, and affordability? This episode clears it all up with real answers to the most common first-time buyer questions flooding the internet. In Part 1 of this myth-busting series, David Sidoni addresses the chaos of conflicting homebuying advice from Google, Reddit, friends, and even real estate pros. He explains why different sources offer wildly different answers—and how that noise keeps first-time buyers frozen with doubt. With zero sales agenda and a mission to empower, David breaks down the real facts on how much home you can afford, what kind of loan you need, and how to separate helpful guidance from harmful myths. This is your reset button for homebuying clarity. Visit the Podcast library to check out the rest of this series.…

How to Buy a Home

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How a Drama Teacher Bought a Home Solo (INTERVIEW) - 351 44:36

il y a 9 weeks44:36

44:36

This first-time buyer went from $0 savings and defaulted student loans to buying a $170K home on a teacher’s salary—here’s how she did it. In this inspiring episode, David interviews Claudia, a middle school drama teacher who beat the odds to become a homeowner by 35. Starting with zero savings and a credit report dominated by student loan defaults, Claudia mapped out a three-year plan and stuck to it. She shares honest insights into her process—from budgeting and saving to navigating inspections, utilizing down payment assistance, and finding the right home. Claudia’s story proves that time, planning, and the right guidance can turn even the most daunting dreams into reality. Quote “So I’m 30 years old and the only thing on my credit report is defaulted student loans.” - Claudia Highlights What it’s really like to start your homebuying journey with a $0 credit score and no savings? How Claudia planned over three years to hit her homeownership goal Smart strategies for saving money on a low income—without sacrificing everything What she learned about efficient home touring and spotting red flags during inspections How down payment assistance and grants helped make it all possible Why working with a real estate pro made the difference in navigating offers and negotiations Her #1 piece of advice for anyone who thinks homeownership isn’t an option for them Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

1
From ‘Years Away’ to Homeowner: Your Last Lease Ever - 350 26:37

il y a 10 weeks26:37

26:37

Still think homeownership is a distant dream? This episode shows how renters like you can follow a monthly roadmap that leads to keys in hand—faster than you ever thought possible. Think you’re years away from buying a home? You’re not alone—and you’re probably closer than you think. In this episode, David uses a real life example to break down the “Last Lease Ever” plan, a proven strategy designed for renters who feel stuck, unsure, or overwhelmed by the homebuying process. You’ll learn how simple monthly steps can completely shift your timeline—and how the traditional real estate system has failed to tell you that. It’s not about waiting for perfect credit or a six-figure salary. It’s about finally having a plan. Quote “The current real estate system… it sucks. There’s a massive gaping hole in the industry—a complete lack of real estate professionals willing to step up and help first-time homebuyers.” - David Sidoni Highlights Why the real estate system isn’t built to help renters like you How to follow a simple, monthly plan that moves you toward buying The truth about what it actually takes to be “ready” to buy What delays most renters for years—and how to avoid it Why starting now matters more than waiting to be “perfect” How to tell if 2025–2026 could be your window to own What kind of expert you need—and why most realtors won’t cut it Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

1
Credit Score Solutions for First-Time Buyers (INTERVIEW) - 349 48:37

il y a 10 weeks48:37

48:37

Whether your credit score is 520 or 790, this expert interview reveals the overlooked steps that can immediately improve your homebuying power. Credit scores remain one of the most confusing and fear-inducing hurdles for first-time homebuyers. In this special interview, credit expert Jeanne Kelly—known as “The Credit Genie”—returns to offer actionable insights that go far beyond generic internet advice. With over 25 years of experience and a deeply personal story of rebuilding from financial rock bottom, Jeanne explains exactly how buyers can take control of their credit, whether they’re in recovery mode or already have strong scores. David and Jeanne break down myths, share real-life success strategies, and highlight the most surprising tips that even high-credit borrowers should know. Quote “I didn’t answer the door once and the man was going to turn off my electric… That was my rock bottom. You sit there and say, ‘You gotta change things.’” – Jeanne Kelly Highlights Why even buyers with “good” credit scores are missing opportunities The most common credit myths that keep renters stuck Jeanne’s formula for rebuilding credit after major financial struggles Tips you won’t find on Google—straight from a 25-year credit veteran What to do today if you’re afraid your credit score will hold you back How to recognize a real credit expert versus a scam Emotional and practical advice from someone who’s been there—and made it through Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

1
How Much Do You Really Need for Closing Day? - 348 35:44

il y a 11 weeks35:44

35:44

You’ve made it through the offers and inspections—now don’t let closing day blindside you. Learn what to expect (and what can still go wrong) in the final stretch of buying your first home. If you’re like most first-time buyers, you think you’re in the clear once your offer is accepted. But the final 4 to 6 weeks—known as “closing”—are packed with surprises that can derail your timeline, your budget, and your sanity. In this myth-busting episode, David Sidoni explains why closing is rarely “set in stone,” and walks you through everything from shifting dates to last-minute costs. Designed specifically for buyers who crave control and clarity, this episode helps you anticipate the unpredictable, manage expectations, and stay grounded when it matters most. Quote “You can do everything right, but you are just one of dozens of different factors that determine if you close on time.” Highlights Why closing is a process, not a single day—and why that matters How even a signed contract doesn’t guarantee your moving date What “fluid” means in real estate and how it plays out during closing Why your lender, escrow agent, and even the seller can throw wrenches into your plans How to protect your peace of mind when the timeline gets shaky Practical advice for spreadsheet lovers and Type-A buyers who crave control The exact mindset that turns closing chaos into a manageable milestone Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

1
She Fired Her Realtor—and Bought the Right Home in 3 Days (INTERVIEW) - 347 48:57

il y a 11 weeks48:57

48:57

When a failed inspection nearly derailed her plans, Ashley found a unicorn agent who helped her buy the right home in just 72 hours—right before Christmas. Ashley’s first-time homebuying journey in New Jersey wasn’t smooth—but it was transformational. After months of frustration, low inventory, and a realtor who didn’t get it, she hit a wall: mold, rodents, and a roof issue revealed by a failed inspection. Instead of settling, Ashley walked away. With guidance from a unicorn agent she found through the HBH podcast, her fortunes changed fast. This episode breaks down the decisions, mindset shifts, and real-world lessons that helped her go from confusion to closing—with a signed contract just three days after finding the right home. A must-listen for anyone feeling stuck or unsure in their buying journey. Quote “We don’t need you to fit the home—we need to find the home that fits you.” – Ashley's Unicorn Realtor Highlights How Ashley knew it was time to switch realtors—and what happened next What a home inspection revealed that nearly trapped her in a money pit The emotional shift from “can we do this?” to “we bought a house!” How unicorn agents empower first-time buyers to walk away from bad deals Why trusting the process (and yourself) is more powerful than market conditions A play-by-play of how she found, bid on, and locked down her home in just three days Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

1
How to Build the Perfect Mortgage Plan (Before You Apply) - 346 47:49

il y a 12 weeks47:49

47:49

The best lenders reveal why waiting to talk to a pro can cost you thousands—and how early planning unlocks smarter, cheaper options for your first home loan. In this episode, David Sidoni shares insights from 250 top first-time homebuyer lenders on what they wish buyers did months before applying for a mortgage. He explains why relying on Google or AI can backfire, and how professional advice early on can tailor your loan for better long-term outcomes. Real-life examples show how small strategic moves, like adjusting debt or rethinking a down payment, can drastically lower monthly costs. Whether you’re a year out or just getting curious, this episode shows why it pays—literally—to start planning now. Quote “It’s not just ‘can you get approved?’—it’s are you in the best position possible with the loan structured around your full financial picture?” Highlights What 250 mortgage pros say they wish clients did earlier The massive mistake of waiting until you’re “ready” to get pre-approved Why Google, webinars, and AI can’t replace tailored financial advice A real buyer example where paying off a car instead of boosting a down payment saved big How pre-planning transforms your buying power—not just your approval odds The difference between a cookie-cutter loan and a custom strategy Why a free consult with a realtor-lender team could be your smartest first move Referenced Episodes 129 – Quasi: Bought out of college with the degree—proof you don’t need 2 years. 304 – Everything you need to know about credit. 182 – Interview with a buyer who had a zero credit score and still bought a home. 246 – Lease breaking: Why it shouldn’t stop your buying plan. 22, 58, 75, 113 – Using a 401K for your down payment. 72, 199 – Myths about credit pulls. 309 – Practice your mortgage payment before buying. 69, 106 – Dave Ramsey episodes. 198 – PMI is a privilege. 216 – PMI is still a privilege—not the devil. Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

1
Why You’re Asking the WRONG Question About Interest Rates - 345 45:19

il y a 12 weeks45:19

45:19

If you’re hoping to buy a home in 2025, these four foundational steps will give you the strategy, support, and clarity you need to finally make it happen. Most first-time buyers don’t get blocked by credit or income—they get stuck because they’re guessing their way through the process. In this episode, David breaks down the four most important things you need to focus on right now to become a homeowner in 2025. From how to plan your offer timing to why your lender might be more important than your budget, this episode gives you a real roadmap—not just a motivation boost. Whether you’re a renter trying to time the market or already saving and unsure what to do next, this is your starting line. Quote: “Don’t worry about the interest rate right now. Just start planning like you’re buying at 7%—and if it’s better than that when you’re ready, bonus.” — David Sidoni Highlights: Why the market isn’t crashing—and what to expect in 2025 The four pillars every first-time buyer must lock in before they start shopping How to know the right time to act (even if your lease isn’t up yet) Why rate watching and budget guessing are slowing you down How your lender—not just your pre-approval—can make or break your offer What to do if your credit, savings, or timeline still feel off Referenced Episodes: Episode 94 – Real Estate Terms & Definitions Episode 328 – 10 Real Action Steps for First-Time Buyers Episode 341 – May 2025 Market Update Episode 340 – Lending Strategy with Kelly Cort Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

1
May 2025 Market Shifts: Data That Gives First-Time Buyers an Edge - 344 21:01

il y a 12 weeks21:01

21:01

Three major market reports reveal a surprising shift toward buyer advantages like longer days on market, increased seller concessions, and rising inventory—here’s what that means for your first home purchase in 2025. Housing affordability panic is everywhere—from headlines on CNN and CNBC to TikTok meltdowns and uninformed relatives offering bad advice. From TikTok meltdowns to uninformed relatives offering bad advice. In this episode, David Sidoni breaks down what’s really happening using verified data, not hype. He reviews three major industry reports that show a slow but meaningful shift in the real estate market, and for once, it’s good news for first-time buyers. Listeners will learn how to interpret current trends, why rent-replacement strategies still work, and how to tune out fear-based noise. "We have three massive market reports and they're showing a big shift underway. And finally, it's in the favor of the home buyers." - David Highlights What three major market reports say about buyer leverage in 2025 Why affordability panic is often based on outdated or misinterpreted data How a rent-replacement strategy still makes financial sense in a high-rate world What to ignore when your TikTok feed or Uncle Warren tells you it’s a bad time to buy The mindset shift that helps renters take control and start building wealth Signs the market is shifting: longer days on market, more seller concessions, and increased inventory in some regions Feeling overwhelmed by market noise? Ready to see if a rent-replacement strategy could work for you? Start with our 10-step plan at Episode 301 or get personalized help at howtobuyahome.com Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

1
$60K Income to Homeowner: Jessica’s Journey (INTERVIEW) - 343 38:45

il y a 13 weeks38:45

38:45

Think you can’t buy a home on a modest income? This real-life story proves otherwise—and shows exactly how it’s done. In this jaw-dropping interview, Jessica shares her transformation from living in a van to owning a $400K home in Portland—all on a combined household income of around $60,000. With six years of steady saving, grit, and guidance from the HBH system, she and her partner navigated setbacks (including a violent attack!) and overcame massive doubts to secure their dream home. This episode is a real-world reminder that your circumstances today don’t define your homebuying potential tomorrow. Hear the full emotional ride, including how she convinced a hesitant partner and handled the search like a pro. Quote “I make sculptures for a living… I didn’t think I was going to be able to buy a house, but I guess I did—because I’m sitting on the porch right now.” – Jessica Highlights How Jessica turned years of renting and low income into real homeownership What she saved (and how long it took) to buy a $400K home The moment her skeptical partner became a full-on homebuying believer How trauma and unexpected events pushed their timeline forward What Jessica wanted in a home—and how she found it without settling The one tip she swears every low-income buyer should know Why mindset, not money, may be your biggest barrier to buying Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

1
Three Things I Wish I Did Sooner to Buy a Home (GUEST HOSTED) - 342 23:00

il y a 14 weeks23:00

23:00

Struggling with student loans, self-employment, or just not knowing where to start? JT shares the top three things he wishes he’d done sooner to get closer to buying a home. This episode is hosted by JT, the Creative Director of How to Buy a Home —and an aspiring buyer himself. After editing over 100 episodes, he realized there were a few major steps he should’ve started years ago. Whether you’re a renter with debt, inconsistent income, or no idea where to begin, JT walks you through how credit repair, savings automation, and practicing your payment can completely reshape your timeline. This is the perfect episode for anyone who’s not quite ready to buy—but knows they want to be. JT’s honesty and step-by-step reflection will resonate especially with: • Freelancers or self-employed buyers • Renters with debt or uneven income • Anyone overwhelmed by where to start It’s a deeply personal, no-fluff solo episode that captures the real mindset of a buyer-in-progress—offering both relatable struggles and practical next steps. Quote: “I didn’t think this podcast was for someone like me. And after hundreds of episodes, I finally realized—maybe I can do this.” — JT, Episode 342 Highlights: What’s holding you back—credit score, debt, income type, or all three? How becoming an authorized user can boost your credit fast Why automating savings—even in small amounts—creates long-term peace of mind How “practicing your mortgage payment” builds confidence and creates options Why starting these habits 6–12 months before you’re “ready” changes everything How JT turned podcast lessons into an actual plan for future homeownership Referenced Episodes: Episode 274 – JT’s earlier homebuying mindset Episodes 301–310 – Starter Kit Series Episode 303 – Credit, Debt & Financial Prep Episodes 339–340 – Lender Strategy with Kelly Cort Episode 337 & 338 – How to Avoid Moving Scams Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

1
Prices, Rates & Confusion - May 2025 Housing Market Update - 341 22:57

il y a 14 weeks22:57

22:57

Housing prices are rising, inventory’s up, and rates won’t crash—here’s what that actually means if you’re trying to buy your first home in May 2025. The market may feel like a mess, but underneath the whiplash headlines are trends you can actually plan around. This episode breaks down the latest data on home prices, supply, and mortgage rates—including insights from Florida, Wisconsin, and the East Coast—to help you figure out how to buy smart in May 2025. If you’ve been waiting for the perfect moment or for rates to drop, this episode shows why it’s time to stop waiting and start planning. Quote: “Don’t let [rates] be the thing that stops you from starting your plan. Just plan for 7%. Anything else is extra.” — David Sidoni, Episode 341 Highlights: Why are headlines saying both “prices falling” and “prices rising”? What does four months of housing inventory really mean for you? Could rising inventory signal a shift toward a buyer’s market? Are interest rates ever going back to 3%—or is 7% the new normal? How do regional stats (Florida, Wisconsin, East Coast) stack up? Why “price cuts” don’t always mean bargains—and can still lead to bidding wars Referenced Episodes: Episode 94 – Real Estate Glossary Episode 251 – The Last Lease Strategy Episodes 256–261, 286, 326 – Buying in High-Rate Markets Episodes 339–340 – Lending Strategy with Kelly Cort Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

1
Down Payment Assistance, Discovery Calls & Lending Myths (INTERVIEW) - 340 46:46

il y a 14 weeks46:46

46:46

Stackable grants, strategy-based lending, and insider truths about mortgage math—this episode unpacks what really sets unicorn lenders apart in today’s market. In part two of this masterclass with unicorn lender Kelly Cort, David and Kelly go deep on the real numbers behind down payment assistance, adjustable rate mortgages, lender-paid buy-downs, and PMI myths. Learn why pre-approvals aren’t enough , how lenders can actually help you win bidding wars, and what it means to build a plan instead of chase a rate . From DTI math to offer letters and insurance shocks, this is the kind of lending guidance most first-time buyers never get. Quote: “You just loan yourself $35,000 for $44 bucks a month. Cheapest money you’ll ever buy.” — Kelly Cort, Episode 340 Highlights: What is down payment assistance—and can you use it even if you have 20% down? How does stacking assistance programs work—and what are the tradeoffs? Why does Kelly personally call the listing agent to help your offer stand out? How can your lender strategy beat a higher competing offer in a bidding war? What’s the real difference between a 6.5% rate and a “clickbait” 5.5% rate? Can you buy a home with just an offer letter for a job you haven’t started yet? Why is PMI sometimes the smartest move—and how low can it actually go? Referenced Episodes: Episode 19 – Financial Prep for Homeownership Episode 94 – Real Estate Terms & Definitions Episode 328 – 10 Real Action Steps for First-Time Buyers Episode 339 – Part 1 with Kelly Cort Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

1
Don’t Get Pre-Qualified—Get a Plan (INTERVIEW) - 339 37:35

il y a 15 weeks37:35

37:35

Forget pre-quals and online rate shopping—this episode breaks down why discovery calls, custom strategies, and unicorn lender relationships are the real keys to homebuying success. In this first of a two-part conversation, David interviews unicorn lender Kelly Cort , who shares the most misunderstood truths about home loans—and how first-time buyers can stop wasting time online and start building a real plan. From rules vs. guidelines , to buying with debt , and even how your W-4 and tax strategy can raise your monthly affordability , this episode is packed with insight that could save buyers thousands. Whether you’re afraid to “bother” a lender or just not sure when to start, this episode shows why early outreach and human strategy beat bots every time. Quote: “It’s not a bother. It’s a privilege. Allow us to be your guide in the journey.” — Kelly Cort, Episode 339 Highlights: What’s the difference between a pre-qualification and a discovery call ? Why do so many buyers wait too long to talk to a lender—and how does it hurt them? What’s the real difference between a loan rule and a guideline —and how can it change your approval? Can you buy a home even with student debt or loans in forbearance? How can adjusting your W-4 and tax strategy increase your monthly affordability? Why do unicorn lenders view helping you early as an honor, not a hassle ? Referenced Episodes: Episode 19 – Financial Prep for Homeownership Episode 94 – Real Estate Terms & Definitions Episode 328 – 10 Real Action Steps for First-Time Buyers Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

1
Battling Mold, Bad Advice, and Moving Mayhem in Pittsburgh, PA (INTERVIEW) - 338 58:41

il y a 15 weeks58:41

58:41

Alex and Tamara faced a long, complicated homebuying journey with unexpected setbacks—but their persistence finally led them to homeownership. Alex and Tamara’s path to owning their first home was full of surprises, setbacks, and last-minute hurdles—from inspection shockers and budgeting surprises to navigating mortgage complexities. Despite numerous pitfalls and a challenging out-of-state move, their determination and flexibility paid off. They share candid insights about staying motivated, working with a unicorn realtor and lender, and how overcoming challenges ultimately made their journey even more rewarding. Quote: “We got the clear-to-close email… I was like, ‘Wait, is this real? Is this actually happening?’ That was the moment when it finally felt real.” — Tamara Highlights: How do you keep going when your homebuying journey keeps hitting unexpected roadblocks? What pitfalls did Alex and Tamara face—and how did they overcome each one? Why did inspection issues almost derail their home purchase? What budget surprises caught them off guard, and how did they adapt? How did finding the right unicorn realtor change their entire experience? Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

1
Moving Scams: How to Avoid the Moving Mafia & Being Robbed (INTERVIEW) - 337 39:14

il y a 15 weeks39:14

39:14

Behind the boxes and bubble wrap lurks a $2.2 million criminal industry—and this episode dives into the chilling real-life story of a moving scam and the five red flags every first-time buyer must know. It sounds like a crime show plot: a young woman hires a moving company, only to be threatened with her belongings being dumped in the Arizona desert unless she wires thousands more. But this isn’t fiction. Mariette Frye, moving expert and victim-turned-advocate, returns to reveal the dark underworld of moving scams—from burner phones and fake paperwork to stolen heirlooms and hijacked semis. First-time buyers will learn exactly how these crimes work and what they can do to protect themselves from becoming the next victims. "You're going to need to wire us $3,000 more, or we're going to drop your stuff off in Yuma, Arizona at the weigh station." - Mariette's Moving True Crime Story (It involves the FBI) Highlights How Mariette's cross-country move turned into an extortion attempt—and how a federal agent stepped in. The single biggest red flag that you're dealing with a scam: a quote that seems too cheap to be real. Why using broker sites can expose your personal info to scam networks—and what to do instead. How to verify a mover’s legitimacy using a federal mover database the scammers hope you don’t find. What to do on moving day: photographing license plates, getting DOT numbers, and taking selfies for protection. The disturbing truth behind shared moving trucks, missing valuables, and staged box repacking. When to call the police and file a federal claim—and how to create a paper trail scammers can’t outrun. Referenced Episodes / Resources Episode 94 – Real Estate Terms & Definitions Episode 301 – 10 Basic Steps for First-Time Buyers ProtectYourMove.gov – Federal Motor Carrier Safety Administration’s official database for vetting movers. Mariette Frye Website: DecidingToMove.com Podcast: Moving Tips and Tricks for People Considering a Relocation Social: @mariettesonthemove on all platforms Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

1
Moving & Packing Tips - How to Reduce Stress When Moving (INTERVIEW) - 336 39:36

il y a 16 weeks39:36

39:36

Moving is one of the most stressful parts of homebuying—so before you decide to relocate for affordability, remote work, or a dream lifestyle, this episode helps you figure out if you’re really ready. David sits down with Mariette Frye, host of the Moving Tips & Tricks podcast, who has moved 20 times in 24 years and developed a practical and emotional framework to help people plan better moves. From financial prep to emotional readiness and community-building tips , this episode is all about knowing what to do before you commit to a new city or neighborhood —especially if you’re planning to rent first, test out a market, or buy remotely. Whether you’re dreaming of New York, San Diego, or just moving two zip codes over, this episode helps you get clear on how to test your dream before making a major life transition. Quote: “You have to grieve your old home and your old life—because once you move, it’s a complete reset. Whether you’re ready for it or not, it’s coming for you.” — Mariette Frye Highlights: How do you know if you’re actually ready to relocate—or just reacting to burnout, grief, or frustration? What is the FRED framework? A 4-part system to evaluate your next city using lifestyle filters, not just affordability. Can you test-drive a city before committing? Why short-term rentals, online communities, and “proof-of-concept” visits matter more than a Zillow search. Why renting in a luxury building might backfire if your long-term plan is to buy affordably in the same area. Referenced Resources: Mariette’s podcast: Moving Tips & Tricks DecidingToMove.com – Mariette’s workbook and relocation planning tool Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

1
VA Loan, Self-Employed, Military Spouse—Jessica Did It (INTERVIEW) - 335 1:05:46

il y a 16 weeks1:05:46

1:05:46

VA loan myths, self-employment hurdles, and relocating with a toddler—Jessica’s story proves that even with obstacles, a smart plan and the right team make homeownership possible. Jessica is a military spouse, a self-employed business owner, and a mom—three factors that many people assume make buying a home impossible. In this episode, she shares exactly how she proved them all wrong. With a VA loan, a “unicorn” real estate team, and months of early preparation, she bought a home in a dream neighborhood—even after losing out on an earlier offer. This interview is packed with hard-earned wisdom about organizing documents for underwriting , dealing with VA misconceptions , and navigating the emotional ups and downs of buying as a military family with limited local support. Whether you’re active duty, self-employed, or just trying to figure out how to make homeownership work in tough circumstances, Jessica’s story shows it can be done—and why it’s worth it. Quote: “It’s like a light in the dark—out of nowhere, you suddenly have a lantern. And you’ve been walking around with a match.” — Jessica, Episode 335 Highlights: Can you buy a home using a VA loan with no down payment—and still get taken seriously by sellers? What steps can self-employed buyers take to prep their tax returns for mortgage approval? What makes a “unicorn” real estate team essential for military families relocating? How did buying a fixer-upper in a dream neighborhood become a better long-term win than a renovated home? Why do VA loans come with extra scrutiny—and how can buyers get ahead of it? How does a toddler, a septic tank, and a $1964 stove all fit into a successful first home story? Why starting early—12–24 months before your move—is the real game changer for military families Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

1
April Tariff Panic: What It Means for Homebuyers - 334 16:35

il y a 17 weeks16:35

16:35

Stock market swings, Fed pivots, and tariff chaos all hit in April—here’s how it’s really impacting mortgage rates, builder incentives, and your buying plan. A surprise tariff announcement in early April caused the largest single-day stock drop since 2022 —but does that mean the housing market is crashing? Not even close. In this episode, you’ll hear how trade turmoil, media panic, and rate fluctuations connect to real first-time buyer decisions . David explains how April’s brief rate dip created new affordability windows , what the Fed’s shifting tone means, and why fear-based headlines often create quiet openings for strategic buyers . He also calls out rising builder incentives , condo deals , and ways to stay ahead when everyone else hits pause. Quote: “Use the public panic to your advantage. You know more than most people do. Yeah, you do.” — David Sidoni Highlights: Why did April’s tariffs trigger a 12% market drop—and what does it really mean for rates? Could builder costs rise in 2025 due to materials and trade impacts? How April’s 1%+ mortgage rate swing changed monthly payments for buyers. Is buyer fear creating stealth deals in the condo market right now? What role is the Fed playing—and why their next move matters for your timeline. How to prepare—not pause—when uncertainty hits the market. Referenced Episodes: Episode 94 – Real Estate Terms & Definitions Episode 198 & 216 – PMI Strategy Episode 301–310 – The 10-Step First-Time Buyer Plan Episode 326 – Assumable Mortgages Episode 328 – 10 Real Action Steps for First-Time Buyers Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

1
From Out-of-State to Chicago Homeowner (INTERVIEW) - 333 38:40

il y a 17 weeks38:40

38:40

In just two months, Conan went from renting in Michigan to owning a condo in Chicago—with a unicorn team, 5% down, and a plan built around his daughter and his goals. Buying from out of state? Recently divorced? Facing a competitive market? Conan tackled all of that and more— without overbidding, overpaying, or compromising on what mattered . After losing a few bidding wars, Conan pivoted to a fixer-upper, used his strong credit to keep PMI low, and leaned on his unicorn team for everything from FaceTime home tours to mold remediation negotiations. This is a story of speed, strategy, and smart choices , with takeaways for buyers who need to move fast, stay flexible, and win in today’s market. Quote: “Even after going through a divorce and a money drain, I was still able to buy a home three months later. That just shows—anyone can do this.” — Conan Highlights: How did a divorced dad living out of state buy a home in 60 days? Can 5% down with PMI really be smarter than putting 20% down? What made Conan pivot back to a fixer-upper —and why it paid off. Why FaceTime tours and a “no-pressure” realtor changed everything. What’s it like to buy in a Chicago bidding war bloodbath —and still come out ahead? How did his unicorn team negotiate mold remediation and pest cleanup before closing? What makes condo living with a low HOA fee a smart first step toward ownership? Referenced Episodes: Episode 94 – Real Estate Terms & Definitions Episodes 175–177 – How to Win a Bidding War Episode 328 – 10 Real Action Steps for First-Time Buyers Episode 330 – From Renter to Homeowner With a Home Business Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @ HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!…

How to Buy a Home

1
Home Inspections: What’s Normal vs Red Flag? - 332 37:35

il y a 18 weeks37:35